Cash Flow vs PassiveTrack

Cashflow – Track Your Money Smarter Take control of your financial future with Cashflow, the ultimate app for tracking assets, income, and expenses in one place. Whether you’re managing personal wealth, investments, or business assets, Cashflow helps you understand where your money comes from and where it goes.

PassiveTrack is a global wealth tracker for people whose financial life crosses borders. Track stocks, crypto, cash, deposits, real estate, mutual funds, bonds, and anything else you own — in any currency, on any market. See your net worth, monthly passive income, and FIRE coverage as one consolidated number. Updated daily. — WHAT IT DOES — Net worth across currencies USD, EUR, HKD, CNY, SGD, JPY, GBP, AUD, CAD... add holdings in their native currency and view your total in any base currency. Real-time FX. Auto-handles cross-listings (AAPL on NASDAQ vs Frankfurt). Monthly passive income Auto-syncs dividend payouts from your stock positions. Includes deposit interest, rental income, and any other recurring streams you enter manually. FIRE coverage in one number Based on the classic 4% rule, adapted for Asian markets (we suggest 3.3-3.6% SWR given local medical inflation). See how close you are to financial independence as a single percentage updated daily. AI monthly report Plain-language summary of where your money moved last month, compared against same-age peers in your country. Optional, off by default. Family view Share your top-line numbers with a partner — net worth, passive income, FIRE coverage — without exposing individual holdings, accounts, or transactions. Either of you can disconnect instantly. Voice input (new) Tap the microphone in "Add with AI", speak in Chinese or English, and we parse your holdings automatically. Audio processed on-device — never sent to our servers. — WHY MANUAL ENTRY — We don't connect to banks or brokers. We don't ask for your passwords, OAuth tokens, or screen-scraping permissions. You enter what you own, when you want, with as much detail as you want. This trades 5 minutes a month for 100% data control. No surprise breaches, no broker change disconnecting your dashboard, no third party with your full financial picture. — PRICING — Free forever for personal use, up to 10 holdings and 2 income streams. Pro ($4.99/month auto-renewing) removes all limits and adds: - Unlimited holdings + income streams - 3 AI reports + 50 FIRE Coach messages per day - Auto-synced dividends + deposit interest - Full CSV export - Priority support Subscription renews monthly until cancelled in Settings → Apple ID → Subscriptions. Privacy Policy and Terms of Use available on the paywall. — PRIVACY — We store only what you tell us: email, optional display name, holdings you enter, optional FIRE inputs. We do NOT collect: - Bank credentials or balances - Location, contacts, photos, or health data - Third-party analytics or ad SDKs Account deletion is one tap in Settings — permanently removes you and all your data, no email required. Built for the FIRE community. Free at the personal level, sustainable at the Pro level.